| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | HARTFORD LIFE AND ACCIDENT | $21K | $8K | $29K | 21.02% |
| HOUCHENS INSURANCE GROUP INC3 | PO BOX 1779 BOWLING GREEN, KY 42102 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.57% |
| MARY CARMELA BERARDI3 | 3617 BEATEN PATH LEXINGTON, KY 40509 | AFLAC | $3K | $47 | $3K | 10.98% |
| HOUCHENS INSURANCE GROUP INC3 | 1750 SCOTTSVILLE RD STE 4 BOWLING GREEN, KY 42104 | AFLAC | $3K | — | $3K | 10.75% |
| LAURA BETH KELLER3 | 141 PROSPEROUS PL STE 26 LEXINGTON, KY 40509 | AFLAC | $416 | $15 | $431 | 1.60% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | AFLAC | $344 | — | $344 | 1.27% |
| CURTIS SCHWARTZ3 | 388 SHERMAN AVE LEXINGTON, KY 40502 | AFLAC | $253 | — | $253 | 0.94% |
| TYLER DECKER3 | 430 ENGINEER STREET CORBIN, KY 40701 | AFLAC | $97 | — | $97 | 0.36% |
| DEBRA PARKER3 Filed as: DEBRA M PARKER | 20 BOWEN STREET AUBURN, NY 13021 | AFLAC | $89 | — | $89 | 0.33% |
| HOUCHENS INSURANCE GROUP INC3 | 1240 FAIRWAY STREET BOWLING GREEN, KY 42103 | AFLAC | $74 | — | $74 | 0.27% |
| LAWRENCE TODD FUGATE3 | 2352 HARTLAND PARKSIDE DRIVE LEXINGTON, KY 40515 | AFLAC | $68 | — | $68 | 0.25% |
| LINDSEY HOSKINS3 | 801 E BRANNON RD UNIT 128 NICHOLASVILLE, KY 40356 | AFLAC | $56 | — | $56 | 0.21% |
| CASSANDRA RENEE BAILEY3 | 498 CEDAR CLIFF RD WACO, KY 40385 | AFLAC | $27 | $16 | $43 | 0.16% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 5905 E GALBRAITH RD STE 5000 CINCINNATI, OH 45236 | AFLAC | $42 | — | $42 | 0.16% |
| COY BRYAN KERSEY3 | 6037 LAURELWOOD DR MILTON, FL 32570 | AFLAC | $26 | $4 | $30 | 0.11% |
| HEATHER L MAMMEN3 | 251 BIG EDDY RD FRANKFORT, KY 40601 | AFLAC | $27 | — | $27 | 0.10% |
| BRYAN KEITH FRIZZELL3 | 945 STAR SHOOT PARKWAY LEXINGTON, KY 40509 | AFLAC | $20 | — | $20 | 0.07% |
| PAMELA ROWSEY LARSON3 | 844 SANDSTONE RDG COLD SPRING, KY 41076 | AFLAC | $14 | — | $14 | 0.05% |
| ERIN HOLZSCHUH3 Filed as: ERIN L HOLZSCHUH | 550 LATONA RD, STE 410 BUILDING D ROCHESTER, NY 14626 | AFLAC | $5 | — | $5 | 0.02% |
| RUEANN EMERSON3 | 2013 OLD RIDGE WAY SUTIE 150 202 LELAND, NC 28451 | AFLAC | $3 | — | $3 | 0.01% |
| KEVIN R MCINERNEY3 | 14 STILLMAN LANE PLEASANTVILLE, NY 10570 | AFLAC | $1 | — | $1 | 0.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP | PO BOX 1779 BOWLING GREEN, KY 42102 | EYEMED | $2K | — | $2K | 10.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 238 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 527 | $79K |
| Vision | EYEMED | 375 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 554 | $139K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 554 | $139K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 554 | $139K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 554 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.